Waukon State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Yield on securities: 1.12 percentage points higher than in Q1 2026, at 4.63%. Waukon State Bank ranks 100th of 225 Iowa banks on net interest margin, in the upper half at 3.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Waukon State Bank sits 0.22 points lower, at 3.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | 6.10% |
| Yield on securities | 4.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 4.51% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.82% | 2.12% | 2.86% | 4.98% | 3.00% |
| Q4 2023 | 4.88% | 2.16% | 2.94% | 5.03% | 2.83% |
| Q1 2024 | 5.05% | 2.31% | 2.91% | 5.26% | 2.76% |
| Q2 2024 | 5.24% | 2.44% | 2.97% | 5.45% | 2.80% |
| Q3 2024 | 5.42% | 2.51% | 3.07% | 5.64% | 2.84% |
| Q4 2024 | 5.49% | 2.47% | 3.19% | 5.78% | 2.84% |
| Q1 2025 | 5.51% | 2.31% | 3.34% | 5.80% | 2.92% |
| Q2 2025 | 5.76% | 2.28% | 3.64% | 6.06% | 3.30% |
| Q3 2025 | 5.88% | 2.27% | 3.78% | 6.18% | 3.41% |
| Q4 2025 | 5.90% | 2.23% | 3.85% | 6.21% | 3.44% |
| Q1 2026 | 5.63% | 2.15% | 3.65% | 6.06% | 3.51% |
| Q2 2026 | 5.68% | 2.11% | 3.73% | 6.10% | 4.63% |
Waukon State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Waukon State Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Waukon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1857) · FFIEC NIC profile (RSSD 436542)